Question 1

Which is better, Salama Islamic Insurance or Watania (ADNTC)?

Accepted Answer

It depends on your needs. Salama Islamic Insurance has 5,843 providers across 8 cities and offers 2 plans starting from AED 2,500/yr. Watania (ADNTC) has 4,914 providers across 8 cities with 2 plans from AED 2,200/yr. Choose Salama Islamic Insurance if you need a larger provider network. Choose Watania (ADNTC) if you prioritise lower entry-level premiums.

Question 2

Is Salama Islamic Insurance cheaper than Watania (ADNTC)?

Accepted Answer

No, Watania (ADNTC)'s entry-level plan starts from AED 2,200/yr, while Salama Islamic Insurance's cheapest plan begins at AED 2,500/yr. Pricing varies significantly by age, nationality, and plan tier, so obtain personalised quotes from both insurers.

Question 3

Which has a bigger network in Dubai, Salama Islamic Insurance or Watania (ADNTC)?

Accepted Answer

Salama Islamic Insurance has a larger Dubai network with 3,163 providers, compared to Watania (ADNTC)'s 1,716 providers. This includes hospitals, clinics, dental practices, and specialist centres listed in the UAE Open Healthcare Directory.

Question 4

Does Salama Islamic Insurance or Watania (ADNTC) cover dental?

Accepted Answer

Both insurers offer dental coverage on their enhanced and premium plans. Salama Islamic Insurance's dental sub-limit goes up to AED 4,000/yr, while Watania (ADNTC) offers up to AED 3,000/yr. Basic plans from both insurers typically exclude dental.

Question 5

Can I switch from Salama Islamic Insurance to Watania (ADNTC)?

Accepted Answer

Yes, you can switch insurers during your policy renewal period. In the UAE, health insurance is typically renewed annually. When switching from Salama Islamic Insurance to Watania (ADNTC) (or vice versa), be aware of: (1) Pre-existing condition waiting periods may restart — check the new insurer's policy, (2) Maternity waiting periods usually reset, (3) Any ongoing treatment authorisations need to be re-submitted. Coordinate with your employer's HR department if on a group plan. Both Salama Islamic Insurance and Watania (ADNTC) have dedicated claims and onboarding teams to facilitate the transition.

Question 6

How do I compare Salama Islamic Insurance and Watania (ADNTC) plans?

Accepted Answer

Use the UAE Health Insurance Navigator on this page to compare Salama Islamic Insurance and Watania (ADNTC) side-by-side. Key factors to compare: (1) Annual premium — Salama Islamic Insurance starts from AED 2,500/yr, Watania (ADNTC) from AED 2,200/yr, (2) Network size — 5,843 vs 4,914 providers, (3) Coverage — dental, optical, maternity, and mental health inclusion, (4) Co-pay percentages, and (5) Provider availability in your city. Scroll down for the full comparison table.

Attribute	Salama Islamic Insurance	Watania (ADNTC)
Type	private	private
Founded	1979	2011
Headquarters	Dubai	Abu Dhabi
Regulators	DHA, HAAD, MOHAP	HAAD, MOHAP
Number of Plans	2	2
Premium Range	AED 2,500 – 13,000	AED 2,200 – 10,000
Total Network Size	5,843	4,914
Cities Covered	8	8
Dental	Yes	Yes
Optical	Yes	Yes
Maternity	Yes	Yes
Mental Health	Yes	Yes
International	No	No
Co-pay Range	20%	20%
Claims Phone	800-72526	800-928264

City	Salama Islamic Insurance	vs	Watania (ADNTC)
Dubai	3,163	vs	1,716
Abu Dhabi	1,213	vs	1,750
Sharjah	894	vs	639
Al Ain	235	vs	479
Ajman	140	vs	156
Ras Al Khaimah	108	vs	89
Fujairah	66	vs	66
Umm Al Quwain	24	vs	19

Salama Islamic Insurance vs Watania (ADNTC)

Salama Islamic Insurance

Watania (ADNTC)

Salama Islamic Insurance vs Watania (ADNTC) — At a Glance

Network Comparison by City

Salama Islamic Insurance Plans

Salama Basic Takaful Health

Salama Enhanced Takaful Health

Watania (ADNTC) Plans

Watania Basic Takaful

Watania Enhanced Takaful

Verdict

Salama Islamic Insurance vs Watania (ADNTC) — FAQ

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